We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 352408 results
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Decision Reference DRN-5131058
22 Nov 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-5131058 The complaint Ms B complains about the service she received from Tesco Personal Finance PLC (“Tesco”) when requesting a Data Subject Access Request (DSAR). In particular she is unhappy Tesco provided this in CD format and believes she was made out to be a racist and forced t... (3 pages)View decision -
Decision Reference DRN-4932375
22 Nov 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4932375 The complaint Mr G’s complaint arises out of his mortgage account held with Bank of Scotland PLC trading as Halifax. Mr G is unhappy that, when Halifax carried out an annual review of his mortgage repayments in March 2024, the bank said it would reduce his contractual month... (4 pages)View decision -
Decision Reference DRN-5075885
22 Nov 2024 Marsh Ltd Not upheldInsuranceDRN-5075885 The complaint Mrs B complains Marsh Ltd (“Marsh”) acting as her insurance broker, failed to take appropriate care when arranging her home insurance, resulting in the policy being voided and her claim not being paid. What happened Mrs B took out ... (3 pages)View decision -
Decision Reference DRN-5109440
22 Nov 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5109440 The complaint Mr V complains that Sainsbury’s Bank Plc irresponsibly lent to him. Mr V is represented by his partner in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments she has made as being made by Mr V himself. What happened Mr V ... (4 pages)View decision -
Decision Reference DRN-5162864
22 Nov 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5162864 The complaint Mrs J has complained about the way Mitsubishi HC Capital UK Plc (“MHCC”) responded to claims she’d made in relation to an alleged unfair relationship taking into account section 140A (“s.140A”) of the Consumer Credit Act 1974 (the “CCA”). Mrs J has been represe... (4 pages)View decision -
Decision Reference DRN-5164224
22 Nov 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-5164224 The complaint Mr L complains that BMW Financial Services (GB) Limited (BMWFS) didn’t provide an invoice to demonstrate that a car he was financing through an agreement with them, had a zero VAT rating. He says that BMWFS discriminated against him under the Equality Act (2010... (4 pages)View decision -
Decision Reference DRN-4696144
22 Nov 2024 Fidelius Ltd UpheldInvestmentsDRN-4696144 The complaint Mr S has complained about the service he received from Fidelius Ltd (‘Fidelius’). He says Fidelity has not acted in accordance with their Wealth Management Service Agreement. To put the matter right, Mr S would like a refund of fees for the period November 2022... (5 pages)View decision -
Decision Reference DRN-5090714
22 Nov 2024 PDL Finance Limited Not upheldConsumer CreditDRN-5090714 The complaint Mr M complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr M’s borrowing can be found below. loan number loan amount agreement date repayment date nu... (4 pages)View decision -
Decision Reference DRN-5141143
22 Nov 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5141143 The complaint H, a business partnership, complains that Barclays Bank UK PLC wrongly restricted its accounts and cancelled all regular payments. What happened H explains that it told Barclays several times that it intended to continue to operate after the death of one of the... (3 pages)View decision -
Decision Reference DRN-5121366
22 Nov 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5121366 The complaint Mr N complains that Lloyds Bank PLC (Lloyds) were unreasonable to ask him to repeat information and that they misinformed him about interest due on his account. What happened Mr N contacted Lloyds a few times in January 2024. He wanted to know what he needed to... (2 pages)View decision
